The BMO Rewards Master is a personal credit card from BMO Rewards Master. Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is 19.99% - 24.99% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Earn 20,000 points after spending $1,500 in the first 3 months.. Rewards: Earn 1 point for every $1 spent, 2 points on travel and dining.. Typical credit limit: $500 - $25,000. This product reports activity to your personal credit report. No annual fee and flexible rewards.